General Churning Guidelines?
#46
Join Date: Feb 2012
Location: Ohio
Programs: Marriott Gold, Hilton Gold, UA Silver; 800K+ points 2012
Posts: 115
- John
#47
Join Date: May 2011
Posts: 152
Boy, oh, boy! All those pretzels make me chuckle.
Every "dark artist" here who thinks you can just "shush" information in this day and age, I have a few words for you: "THE CAT IS OUT OF THE BAG", and it ain't going back in, either. This secret society thinking is simply laughable to say the least.
Do you really, honestly believe that banks do not know about our little shenanigans? After all the exposure on CNN, WSJ, NYT, not even counting who knows how many bloggers - who the hell does not know about credit card churning? If they wanted to shut it down, they would, and they still might, but not because a few or a few dozens of Flyertalk members decide to share their wisdom with outsiders. Credit card churners will ALWAYS remain a tiny minority - a mere pimple on the face of the faceless population for giants like Citi, Amex, or Chase. You want to know why - think how many of your own friends and relatives have taken on churning after you told them. In my experience the number is ZERO.
So, please don't worry. You can yell about it from the Empire State Building or Oprah Show - that wouldn't change a thing. Most people are lazy, conservative, and most of all scared silly to try unconventional things. As to those who are more adventurous - how many of them, do you think, have the credit needed to go in this game? How many have the cash flow or stamina to play with gift cards in order to meet spending requirements?
Our secret is perfectly safe or it would be if there was really a secret. There is not! Please keep sharing
And Dr. Jabadski - great job. Thanks for the list. Helped me a couple times already.
Every "dark artist" here who thinks you can just "shush" information in this day and age, I have a few words for you: "THE CAT IS OUT OF THE BAG", and it ain't going back in, either. This secret society thinking is simply laughable to say the least.
Do you really, honestly believe that banks do not know about our little shenanigans? After all the exposure on CNN, WSJ, NYT, not even counting who knows how many bloggers - who the hell does not know about credit card churning? If they wanted to shut it down, they would, and they still might, but not because a few or a few dozens of Flyertalk members decide to share their wisdom with outsiders. Credit card churners will ALWAYS remain a tiny minority - a mere pimple on the face of the faceless population for giants like Citi, Amex, or Chase. You want to know why - think how many of your own friends and relatives have taken on churning after you told them. In my experience the number is ZERO.
So, please don't worry. You can yell about it from the Empire State Building or Oprah Show - that wouldn't change a thing. Most people are lazy, conservative, and most of all scared silly to try unconventional things. As to those who are more adventurous - how many of them, do you think, have the credit needed to go in this game? How many have the cash flow or stamina to play with gift cards in order to meet spending requirements?
Our secret is perfectly safe or it would be if there was really a secret. There is not! Please keep sharing
And Dr. Jabadski - great job. Thanks for the list. Helped me a couple times already.
#48
Join Date: May 2011
Posts: 152
I think this attitude is a little cavalier.
I've been through this argument several times in various communities. In my view, it boils down to this:
In my experience, the most prudent approach is to work on a barter type of system. The focus should be on trading information, not giving it away for free. That way you get out of it what you put in. The more research and investigation you do, the more valuable your knowledge becomes and the more you can leverage that knowledge to trade with others.
There will always be folks that want everyone to share information. Sometimes these are beginners who don't have any secrets of their own and are trying to learn. Sometimes it's folks that have a certain ideology about giving back to their community. Sometimes there are folks who haven't thought through the long-term consequences of their actions. Sometimes it's folks that stand to profit from sharing the information i.e. bloggers.
Either way, they are frequently the most vocal ones on the forums and it makes sense to be vocal. If you have very few secrets of your own or you benefit from sharing those secrets then it's in your best interest to try and get everyone else to tell you theirs.
However, it's not in the best interest of the community to widely share information in the long run. If everything was shared quickly and widely then everything would be fixed quickly and no one would be able to gain much benefit.
If, however, you focus on research and trading information then those who put in the time and effort to discover these methods are primarily the ones who benefit from them. This seems to be a much more sustainable model to me.
My two cents.
I've been through this argument several times in various communities. In my view, it boils down to this:
The more people that know, the higher the risk that it'll be fixed quickly.
The US Mint is a good example. Once that method got national attention, it was fixed within weeks and now can't be used.In my experience, the most prudent approach is to work on a barter type of system. The focus should be on trading information, not giving it away for free. That way you get out of it what you put in. The more research and investigation you do, the more valuable your knowledge becomes and the more you can leverage that knowledge to trade with others.
There will always be folks that want everyone to share information. Sometimes these are beginners who don't have any secrets of their own and are trying to learn. Sometimes it's folks that have a certain ideology about giving back to their community. Sometimes there are folks who haven't thought through the long-term consequences of their actions. Sometimes it's folks that stand to profit from sharing the information i.e. bloggers.
Either way, they are frequently the most vocal ones on the forums and it makes sense to be vocal. If you have very few secrets of your own or you benefit from sharing those secrets then it's in your best interest to try and get everyone else to tell you theirs.
However, it's not in the best interest of the community to widely share information in the long run. If everything was shared quickly and widely then everything would be fixed quickly and no one would be able to gain much benefit.
If, however, you focus on research and trading information then those who put in the time and effort to discover these methods are primarily the ones who benefit from them. This seems to be a much more sustainable model to me.
My two cents.
#49
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
You way underestimate the ability to manufacture miles. 50,000 miles is the take on a slow day. Think millions annually. But you do have to have capital and credit to play the game.
Best tip is manage your credit score - make it look pretty for the banks. Then do the high bonus low spend card signups. After that you have to be crafty.
Best tip is manage your credit score - make it look pretty for the banks. Then do the high bonus low spend card signups. After that you have to be crafty.
While this thread is specifically about churning guidelines, there are many other secrets not spoke about on the board because it does ruin it. There are ways to manufacturer miles with little/no out of pocket costs. These are the things people will not give out freely as it is something they do not risk lose. These secrets can lose a person 50,000 miles a year or more with a single method.
Last edited by AlohaDaveKennedy; Feb 24, 2012 at 3:55 pm
#50
Join Date: May 2011
Posts: 152
You way underestimate the ability to manufacture miles. 50,000 miles is the take on a slow day. Think millions annually. But you do have to have capital and credit to play the game.
Best tip is manage your credit score - make it look pretty for the banks. Then do the high bonus low spend card signups. After that you have to be crafty.
Best tip is manage your credit score - make it look pretty for the banks. Then do the high bonus low spend card signups. After that you have to be crafty.
#51
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Actually, you need to take barter a step further as the harvesters among us bring in way many more miles than we can use. Some of us do lend-lease, but it would be nice to swap this for that on occasion as the limitless ability to fly free and stay free in hotels does get old. The first 100 countries are exciting, then they start to look alike. Eighty percent of the world just ain't a tourist hotspot and there are no refer magnets for many of the places I have been to lately.

#52
Join Date: May 2011
Posts: 152
Actually, you need to take barter a step further as the harvesters among us bring in way many more miles than we can use. Some of us do lend-lease, but it would be nice to swap this for that on occasion as the limitless ability to fly free and stay free in hotels does get old. The first 100 countries are exciting, then they start to look alike. Eighty percent of the world just ain't a tourist hotspot and there are no refer magnets for many of the places I have been to lately.

#53
Join Date: Aug 2011
Posts: 23
Actually, you need to take barter a step further as the harvesters among us bring in way many more miles than we can use. Some of us do lend-lease, but it would be nice to swap this for that on occasion as the limitless ability to fly free and stay free in hotels does get old. The first 100 countries are exciting, then they start to look alike. Eighty percent of the world just ain't a tourist hotspot and there are no refer magnets for many of the places I have been to lately.

Also, I'm not sure what you mean by lend-lease and refer magnets. Could you go into more detail on those?
Last edited by oldmantravel; Feb 25, 2012 at 10:26 am
#54

Join Date: Dec 2003
Location: Brooklyn, NY, United States
Programs: AA, BA, UA, Spirit, Delta, PC Plat, SPG Gold, HHonors Diamond, Club Carlson Gold, Marriott Gold
Posts: 1,735
#55

Join Date: Dec 2003
Location: Brooklyn, NY, United States
Programs: AA, BA, UA, Spirit, Delta, PC Plat, SPG Gold, HHonors Diamond, Club Carlson Gold, Marriott Gold
Posts: 1,735
Actually, you need to take barter a step further as the harvesters among us bring in way many more miles than we can use. Some of us do lend-lease, but it would be nice to swap this for that on occasion as the limitless ability to fly free and stay free in hotels does get old. The first 100 countries are exciting, then they start to look alike. Eighty percent of the world just ain't a tourist hotspot and there are no refer magnets for many of the places I have been to lately.

Please do not mistake my irreverance for lack of respect. I bow to the masters, but keeping most secrets in this day and age gotta be so hard and so freaking lonely... and so unnecessary, too.
#56




Join Date: Nov 1999
Programs: UA, DL, AA, Sutherlands Lumber
Posts: 7,667
There's a story about Joe Kennedy and a shoeshine boy. Joe knew when even the shoeshine boy had stock tips, the jig would soon be up. He got out of the stock market just before the crash of '29, preserving his fortune.
I'm enjoying rewards and points, but lately seems a little too good to be true.
I'm enjoying rewards and points, but lately seems a little too good to be true.
#57
Join Date: May 2011
Posts: 152
Im assuming he means lend-lease as in sharing points withing a small group. If someone needs AA miles, they can borrow 100k miles from someone else in the group. This requires lots of trust.
#58
Join Date: Feb 2012
Location: Ohio
Programs: Marriott Gold, Hilton Gold, UA Silver; 800K+ points 2012
Posts: 115
It's the plural that killed me... millions. I'm hoping to net 1,000,000 this year if everything goes according to plan, but getting much more than that seems to be out of reach. Even if I had enough capital to put into it!
#59

Join Date: Dec 2003
Location: Brooklyn, NY, United States
Programs: AA, BA, UA, Spirit, Delta, PC Plat, SPG Gold, HHonors Diamond, Club Carlson Gold, Marriott Gold
Posts: 1,735
However, theoretically speaking, for someone who's new to the game there are more than enough credit cards options with good bonuses in circulation right now that (adequately spaced out) could provide you with a couple million miles and points for the next 2 years. More if you sign up with a spouse. I say theoretically, because it requires a lot of diligence and discipline (and determination, too). Then, you would exhaust your options for a while, but it seems, banks tend to forget your "tresspassings" (LOL) after 2-4 years, so you could theoretically start all over again.
Then, there seem to be a few churnable cards in an old AA sense. Barclay US Airways, Chase Mariott, some annual fee cards like two Hawaiian and the Virgin. Even with the fees, they are still a great deal if you can use the miles or transfer them to Hilton.
Of course, as 8mpg points out, being a trusted member of some sort of a "syndicate" could prove useful as well, since they are able to help each other out. For instance, I could book you on AA using my miles in exchange for you booking me a OWB in Bora Bora using your IHG points. That's the kind of barter that loyalty programs would frown upon, but it's completely doable.
I'm guessing, targeted CC offers could also be put into game. It depends on a particular CC policy, but I once signed up for the AMEX offer that had arrive to my former business tenant with a special code (with his blessing, of course). Another time, I tried something like that with a Citi (I think, but not sure), and it didn't fly. So, I guess, some targeted offers could be trade-able, as well.
Other than that and an occasional Fidelity or Ameritrade transfer, I don't see any way to play the system for a considerable amount of miles and points. Small change like gaming gift cards or Netflix and such, or promos for paid stays and actual flying don't count. I do not doubt there are some secret ways of getting something, but I think whatever it is, it's gotta be more bothersome ventures and much lesser gains - no disrespect to anybody.
#60




Join Date: Jan 2010
Programs: AA BA CO DL UA US
Posts: 905

